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Make sure you have adequate travel insurance, whatever the length of your trip. At a minimum, you need coverage for medical emergencies and treatment, including hospital stays and an emergency flight home. Medical treatment for non-Canadians is very expensive.

Also consider insurance for luggage theft or loss. If you already have a homeowners or renters policy, check what it will cover and get only supplemental insurance to protect against the rest. If you have prepaid a large portion of your vacation, trip cancellation insurance is worthwhile.

Worldwide travel insurance is available at www.lonelyplanet.com/travel-insurance. You can buy, extend and claim online at anytime – even if you're already on the road. Also check the following providers:

Insure.com (www.insure.com)

Travel Guard (www.travelguard.com)

Travelex (www.travelexinsurance.com)